Move fast without compromising financial integrity. LedgerFlow gives fintechs a compliant, auditable double-entry ledger, built-in KYC workflows, and multi-currency wallets — so you can launch faster than building it yourself.
Fintechs operate in a paradox: investors want velocity, regulators demand rigour. Most startups underinvest in the ledger layer and discover the debt at Series B or during a SARB examination. LedgerFlow is the shortcut past that mistake.
Challenges Fintechs Face
Single-entry ledgers that drift
Many fintechs ship with basic transaction logs rather than true double-entry ledgers. The gap becomes visible at audit time — or when a customer disputes a balance.
KYC is an afterthought
Document collection bolted on via third-party APIs with no unified status tracking, expiry management, or FICA-compliant review audit trail. Regulator examinations expose the gaps.
FX adds manual overhead
Multi-currency users handled with spreadsheets and manual conversion. End-of-month FX reconciliation takes analyst time and introduces rounding errors.
No large-transaction controls
Treasury operations, bulk disbursements, and salary runs processed without maker-checker validation. A single errant SQL update can wipe client balances.
How LedgerFlow Solves Them
True double-entry from day one
Every posting enforces balanced debits and credits. Automatic sign normalisation by account type. Trial balance always zero. Audit-ready from launch.
FICA-compliant KYC lifecycle
5-state KYC workflow (invited → in_progress → under_review → approved/rejected). Hash-verified document storage, expiry tracking, and full reviewer audit trail.
Native multi-currency wallets
Each customer account can hold balances in multiple currencies. FX rules execute automatically at transaction time. No post-hoc conversion. Supports 50+ currencies.
Maker-checker for all bulk ops
Required dual-authorisation for any high-value or bulk operation. Staged in mc_transactions until an authorised second party approves — identities non-forgeable.
Why Fintechs Choose LedgerFlow
The Financial Stack Fintechs Wish They'd Built First
PostgREST API — Zero Backend Code
REST API generated automatically from the database schema. Add a table, get an endpoint. No boilerplate. Fintechs integrate in hours, not sprints.
Real-Time Balance Visibility
Hot/cold table split for write performance. Balances available in real time. No batch jobs, no T+1 settlement lag. Customer queries always reflect the latest state.
Proactive Fraud Protection
8-flag composite scorer. Trigonometric 24-hour behavioural patterns. Account-level statistical profiling across 90 days. Flags anomalies before settlement, not after.
Automated Notifications
PGMQ-powered email and WebSocket queues. Template-driven notifications triggered automatically on transaction events, KYC status changes, and approval requests.
Immutable Audit Log
Trigger-based audit captures actor, IP, timestamp, and full JSON diff for every change. Regulators can verify any transaction's complete history without application access.
Containerised & Self-Hosted
17-service Docker Compose. Full data sovereignty. Deploy on any cloud or on-premises. No shared infrastructure, no vendor-specific lock-in, no data leaves your environment.
Launch with a proper financial foundation.
30-day free trial. All PPRC features. Deploy in an afternoon.